Online Banking


Consumer and Business Loans

No Matter what your need we have a lending product that is right for you.

To apply for a loan, you may call or drop by one of our offices today.  For your convenience, you may also download an application, complete it in the comfort of your own home. Then simply sign, date it, and drop it off at any location.  One of our friendly associates will be glad to assist you.


Institutions NMLS

Institution NameNMLS ID#

Institution Name

North Alabama Bank



MLO Names

Loan Officer NameNMLS ID#

Loan Officer Name

Debra J. Bradley



Loan Officer Name

James D. Sanders



Loan Officer Name

Terry D. West



Loan Officer Name

Benjamin M. Whitt



Downloading Loan Application:

To download an application simply choose the one that most closely fits your needs, click the link and follow the instructions listed to download the appropriate application.

Step 1

You will need the following:

  • Mortgage Loan Checklist from North Alabama Bank
  • For Mortgage Loan applications, legal size paper is preferable (8.5 X 14)
  • Adobe Acrobat Reader (for a free copy, visit online and download one prior to viewing an application)

Step 2

Select the link for the loan type which most closely matches your lending needs.

Step 3

You may save the blank application to your computer or print directly.

Step 4

Bring the competed application to any of our 4 locations and speak with a loan officer today.

Buying a new home should be a pleasant experience.

We’d like to make it that way by taking the worry out of applying for a mortgage.  That’s why we would like you to take our Home BuyAbility Test.  It will help you find out how much home is right for you, so you can feel more comfortable when you apply for your mortgage loan with us.

Select a Mortgage Loan To Fit Your Financial Situation.  Before you apply for a mortgage loan, you’ll need to decide which type of loan may be right for you.

  • Conventional Loans have a fixed rate and monthly payment for the entire life of the loan. It’s easy to budget for this type of loan because our payment will always be the same.  The rate on a conventional mortgage loan is generally higher than an adjustable rate mortgage.
  • FHA Loans offer lower interest rates, require a relatively small down payment, and are insured through the Federal Housing Administration.

Is Refinancing Right For You?  Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present mortgage.  Contact us whether you want to apply for a new mortgage to buy the home you want, or to refinance your present mortgage.  Refinancing can help you save on fees when you apply; interest when you want to borrow money; and, on taxes at the end of the year.  For more details, speak to one of our mortgage loan experts at 256.828.9500.

Put Yourself In The Driver’s Seat – With a North Alabama Bank Auto Loan

If it seems like you need to be a world class negotiator these days to buy a new car, van or truck, you’re not alone.  That’s why many smart new car buyers are turning to pre-approved financing.  With a pre-approved auto loan from North Alabama Bank, buying the new or used vehicle you want can be quick and easy.  That’s because we “pre-approve” you for the amount you need, before you visit the dealership.  And there’s absolutely no obligation to buy a vehicle or take the loan.

With a North Alabama Bank Auto Loan, dealers will view you as a cash customer and you’ll be in a much better bargaining position.  You’ll have the ability to negotiate a better vehicle price and, in most cases, drive away the same day.

With a North Alabama Bank Auto Loan, you’ll bet reasonable rates and a flexible repayment plan.  We’ll also help you figure out what financing program is right for you.